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Concorde Bank

Blomkest, MN · Cert 9727 · Matson Financial Inc.

State charter, non-member · FDIC · 2 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in MN3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets in MN (n=111 to 113). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

56

Q2 2024Q2 2026peer median (50)

Asset Quality

15

Q2 2024Q2 2026peer median (50)

Profitability

42

Q2 2024Q2 2026peer median (50)

Liquidity

74

Q2 2024Q2 2026peer median

Efficiency

55

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Concorde Bank

Blomkest, MN · Cert 9727 · Matson Financial Inc.

State charter, non-member · FDIC · 2 branches

Q2 2026

$88.3MAssets
$65.9MLoans
$79.1MDeposits
$8.8MEquity
Loan mix
80%RE $52.3M15%C&I $9.6M5%Consumer $3.3MQ3 2024Q2 2026
Deposit mix
81%Interest-bearing $63.8M19%Noninterest $15.3MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 1.01%, down 60 bps year over year; NIM at 3.93%.
  • Asset quality: problem loans at 2.73% of loans (-49 bps YoY), with net charge-offs at 0.09%.
  • Capital: tier 1 leverage ratio of 10.13%, down 92 bps from a year ago.
  • Funding: loans stand at 83.32% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.01%-60 bps YoY

Net Interest Margin (YTD, annualized)

3.93%-64 bps YoY

Efficiency Ratio (YTD, annualized)

60.52%+461 bps YoY

Tier 1 Leverage Ratio

10.13%-92 bps YoY

NIM

6.25%Q2 ’246.56%Q2 ’255.81%Q2 ’26-2%-14%

Non-interest income vs. expense

2.82%Q2 ’242.77%Q2 ’252.61%Q2 ’26-1%-7%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.59%1.52%1.65%1.61%1.57%1.46%0.78%1.01%-60 bps
Return on Equity16.48%15.43%15.87%15.59%15.13%14.20%7.93%10.23%-535 bps
Net Interest Margin4.65%4.67%4.50%4.57%4.40%4.22%3.96%3.93%-64 bps
Efficiency Ratio57.58%59.93%54.77%55.91%57.01%58.93%69.81%60.52%+461 bps
Non-Interest Burden2.51%2.64%2.30%2.39%2.35%2.32%2.64%2.23%-16 bps
Growth
Asset Growth (YoY)0.59%-0.80%-1.40%6.14%8.28%18.14%15.69%9.96%+382 bps
Loan Growth (YoY)12.31%9.55%10.12%9.35%8.60%3.92%2.63%-2.78%-1,213 bps
Deposit Growth (YoY)-1.32%-1.97%-2.59%2.65%6.43%18.97%16.85%13.56%+1,091 bps
Asset Quality
Nonperforming Loans / Loans1.28%1.61%3.52%3.23%2.71%2.76%2.63%2.73%-49 bps
Net Charge-Offs / Loans0.00%0.03%0.04%0.02%0.04%0.27%0.00%0.09%+7 bps
Allowance / Loans2.20%2.09%2.11%2.07%2.09%1.93%1.99%2.22%+14 bps
Allowance Coverage of NPLs1.7x1.3x0.6x0.6x0.8x0.7x0.8x0.8x+0.2x
Capital
Tier 1 Leverage Ratio10.86%11.19%11.00%11.05%10.78%10.80%10.25%10.13%-92 bps
Total Risk-Based Capital14.84%15.16%15.24%15.02%15.66%15.91%15.68%16.41%+140 bps
Equity / Assets10.27%10.46%10.33%10.16%10.61%10.03%9.56%9.92%-24 bps
Liquidity & Funding
Loans / Deposits95.21%98.35%94.23%97.33%97.15%85.91%82.76%83.32%-1,401 bps
Liquid Assets / Assets4.08%4.12%3.88%2.46%2.54%2.41%2.34%2.40%-6 bps
CRE / Total Capitaln/an/an/an/a140.96%141.39%138.75%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Concorde Bank

Blomkest, MN · Cert 9727 · Peer group: banks under $1B in assets in MN (n=111-113) · Matson Financial Inc.

State charter, non-member · FDIC · 2 branches

Q2 2026

$88.3MAssets
$65.9MLoans
$79.1MDeposits
$8.8MEquity

Executive Summary

  • Strongest standing: total risk-based capital ratio outperforms 62% of banks under $1B in assets in MN (rank 43 of 113).
  • Widest gap: nonperforming loans / loans trails 89% of banks under $1B in assets in MN (rank 100 of 111).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

1.01%

Rank 72 of 113

Net Interest Margin

3.93%

Rank 54 of 113

Efficiency Ratio

60.52%

Rank 52 of 113

Equity / Assets

9.92%

Rank 61 of 113

Non-interest income vs. expense

$0.3M$2.4MINCOMEEXPENSE
Unfavorable gap of $2.0M · efficiency ratio beats 55% of banks under $1B in assets in MN
Bank 60.52%Peer median 61.5%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.01%0.87%1.20%1.41%Beats 36%72 / 113
Return on Equity10.16%8.92%11.27%13.99%Beats 37%71 / 113
Net Interest Margin3.93%3.42%3.88%4.31%Beats 52%54 / 113
Efficiency Ratio60.52%54.13%61.48%69.86%Beats 55%52 / 113
Asset Quality
Nonperforming Loans / Loans2.73%0.09%0.58%1.82%Beats 11%100 / 111
Net Charge-Offs / Loans0.09%n/a0.00%0.04%Beats 18%92 / 111
Capital
Tier 1 Capital Ratio15.15%11.53%13.31%18.13%Beats 59%46 / 113
Total Risk-Based Capital Ratio16.41%12.12%14.43%19.39%Beats 62%43 / 113
Equity / Assets9.92%8.52%10.10%11.94%Beats 46%61 / 113
Liquidity & Funding
Loans / Deposits83.32%62.08%77.32%88.06%65th pctl39 / 111
Loans / Assets74.66%55.01%66.35%75.50%70th pctl34 / 113
Brokered Deposits / Depositsn/aNot reported for this institution